15.04.2016

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With airports busier than ever, airline staffing reductions creating longer lines at check-in and airport security wait times that can be entirely unpredictable, the old airport "two-hour" rule often leaves just minutes to spare to buy a magazine, grab a snack or hustle your kids into the bathroom. I recommend doing the same before abandoning your ride or your car just before you head to the terminal; flight status updates change by the minute, so a last-second check is always a good idea. 5) Before you leave for the airport, put your ID, credit card and boarding pass (if applicable) in an easily accessible part of your wallet or bag. Many airports are adding parking lot status updates to their websites, while others have automated telephone information. Off-airport lots are also worth considering, both for the ability to reserve a spot in advance and for price savings in many cases. 8) Check the airport maps, hotel shuttle info and rental car counter details for your destination airport. If you are really serious about baggage weight, you can even weigh bags at home -- buying your own luggage scale is inexpensive and will prevent surprises at the airport.
12) Take inventory of what you will need to do when you get to the front of the security line. 14) With that said, though flight status boards are your first stop for directions, go directly to your gate for any breaking information. If you have focused all your retirement planning energy on your 401(k), you may be missing a key piece of the puzzle: Social Security. Some people have no choice. Many retirees stop work earlier than they planned because of illness, unemployment or to be caregivers. Social Security calculates monthly checks on your “full retirement age.” That’s when you are eligible for 100% of your Social Security benefit. Full retirement age varies: It’s age 66 for people born from 1943 to 1954, increasing gradually to 67 for those born after 1959. Doing what you can do now to grow your income will fatten your Social Security checks in the future. Plan for professional growth, including evaluating whether more schooling would be worth the cost or whether you should enter a new line of work. The average monthly Social Security check this year is $1,328 for those who collect at full retirement age, according to the Social Security Administration.
Lock in a higher income in your late 80s and 90s by waiting to collect Social Security until you are 70.
In many instances an informed decision about when to claim which Social Security benefits can boost benefits by tens of thousands of dollars over your lifetime, especially for couples. Various companies will prepare a customized analysis revealing exactly when to claim Social Security benefits to receive the maximum lifetime payout.
Because the claiming strategies for couples can be complex, an inexpensive analysis showing exact dates when each of you should claim could be well worth the cost. Married people have an advantage in the Social Security system. Even a spouse who never earned an income can claim benefits. To get spousal benefits you must be at least 62 and your spouse, the primary worker earner (government jargon for the one with the biggest benefit), must be receiving Social Security checks or be eligible for them.
The government reduces your Social Security checks by $1 for every $2 you earn if you start your benefits before full retirement age and make more than $15,720 in 2015. A great way for married couples to increase their combined payout is to “file and suspend,” as Kiplinger explains in an article on Social Security strategies for married couples.
The older worker, a husband, for example, files for benefits at full retirement age and asks to suspend those benefits instead of receiving them. This allows the wife, starting at her full retirement age, to claim spousal benefits instead of early retirement on her own work record. The husband can collect super-sized benefits when he’s 70, and the wife can continue collecting spousal benefits or claim benefits on her own account, whichever is larger. If you’re the higher earner, you can bring in some extra money by applying for a spousal benefit at your full retirement age, and still allow your own benefit to grow until age 70.
If your only income in retirement is from Social Security, you probably won’t have to worry about paying income tax. Taxes are based on your combined income: your adjusted gross income plus half of your Social Security benefit plus non-taxable interest. If combined income is more than $34,000 ($44,000 for couples), as much as 85% of your benefits may be taxable.
Certain debts, including federal taxes, child support or alimony and federal student loan balances, can be garnished from Social Security checks.
Keep an eye out for your Social Security statement in the mail each year or find your statement online. Look it over to ensure your income is reported correctly. Once you start collecting benefits, your unmarried dependent children 18 or younger can receive benefits, too. Get the latest tips & advice from our team of 50+ credit & money experts, delivered to you via email each week.


Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Please note that our comments are moderated, so it may take a little time before you see them on the page. Use adhesive hooks to mount your iPad anywhere. Above the sink while you're washing dishes? Two upside-down adhesive hooks on the side of the trashcan prevent the bag from falling in!via Indulgy12. Saving a few extra minutes here and there along the way can add up in your favor; here are 16 tips to get you from your front door to your seat on the plane as quickly and painlessly as possible -- as well as some ideas to keep you moving no matter what is going on with your flight. Personally, I have found that buying more stuff is not always the best solution to travel problems, as one of the most serious travel problems for many people is having too much stuff in the first place.
I feel like this tip is almost so obvious that I should not even include it, but I find that even in my own travels, I often fail to do this one simple but critical thing.
There are two reasons for this: one, by going through this exercise, you make sure that you don't leave home without these crucial items.
Clutter is the enemy of smooth passage through the airport; pack out of reach and sight anything that you will not need between your front door and your airplane seat. Knowing ahead of time where to park, which lots are open and how far they are from the terminal can save you a lot of anxiety on your drive in, as well as keep you safer as you navigate tortuous and almost always poorly marked airport ring roads. While too many airports are doing the bare minimum in this regard, particularly with a service that is so essential to their business and often so confounding for travelers, consulting the info they do post can still often save you headaches when you arrive at the airport. If navigating your home airport is relentlessly confusing, it will be even worse at an unfamiliar airport at your destination. Before you get in line to check in, or at least before you get to the front of the line, dig out and have in hand all the items and documentation you will need to check in. Many airports are installing scales in front of the check-in areas; if you suspect your checked bag might be overweight, weigh it before you get in line, and do any swapping between your bags before you reach the check-in counter. This way, when you get to the front of the security line, you are not finding stuff in random pockets, messing with your phone, dropping credit cards and keys (or losing them -- I have seen it happen), spilling crumpled cash all over the place and generally ticking off everyone behind you. Do a quick mental review of everything you are wearing that you will need to remove (such as shoes, jewelry, watch, jacket), and what you have inside your carry-on bag that might need to be taken out (liquids, electronics).
Unless you are really early, your actual flight time is getting close, and this is when you will start to see gate changes and more reliable departure time estimates. The official system updates sometimes lag behind reality, so you want to check in at your gate to make sure nothing has changed. If you get stuck due to a delayed or canceled flight, you are going to want to be proactive in figuring out your options, as airline folks are typically understaffed and under siege in these situations.
When the previously mentioned flight with my son was canceled, TripIt notified me very early on, and also gave me access to a list of other flights on the route for that day, both on my original airline and on other airlines. You can influence your eventual payout from this safe, dull old-age safety net to a surprising degree by making some adjustments and changes in your planning. The size of your benefit checks is decided by a formula that is based on your 35 highest-earning years of work.
In that case, try to use other sources of income if possible, so you can hold off claiming until you’re older.
Use the Social Security Retirement Estimator to see the effects of more income on your benefits. Use the Social Security Retirement Estimator, even in your 40s, 50s or early 60s, to see what you’d need to do (retire later? If you have reason to believe you won’t live long, perhaps you should collect early. But, if your relatives are long-lived and you’re fairly healthy, you may outlive your retirement savings.
Married people can receive half their spouse’s Social Security benefit, and that may be more than they’d get on their own. But your widow or widower may be entitled to collect as much as 100% of your full retirement amount.
You might decide it’s better to hold off collecting, given the penalty and the fact your benefits will keep growing while untouched.
That lets him keep on working, or drawing income from other sources, so his benefits can keep growing. Now both spouses’ benefits can keep growing while the couple enjoys income equal to about half the husband’s full-retirement benefit.
In addition, if the husband dies first, his wife’s survivor benefit now is as great as possible. Once you turn 70, you can switch to your own benefit and your spouse can claim a spousal benefit, of up to 50% of your primary insurance amount. But if you have additional income from other sources, try to reduce your total income to minimize the tax bite. You can reduce your tax bill in retirement by cutting expenses so you need less income and? choosing investments with an eye to reducing taxes?.


Biological children, adopted children, stepchildren and grandchildren are eligible as are  full-time high-school students aged 18 to 19 and children disabled before age 22. This compensation may influence the selection, appearance, and order of appearance of the offers listed on the website.
Any opinions, analyses, reviews, or recommendations expressed here are those of the author's alone, and have not been reviewed, approved, or otherwise endorsed by any issuer. But there are a few items that are useful enough away from the airport to justify buying mostly for the airport, including slip-on shoes, clear zip-shut sundries bags and TSA-friendly laptop cases to help speed you through security. I have found that when checking bags, having the pre-printed boarding pass in your hand doesn't help all that much, and check-in agents often end up reissuing another boarding pass when you check your bags -- but it sure doesn't hurt.
Two, you don't waste your (and other people's) time fumbling around for them at the moment you need them. Additionally, during peak travel periods, lots fill up quickly, so you will want an alternate parking plan. Flight status updates frequently include the likely arrival gate, so checking the maps at your destination airport can help you get through the baggage pickup, find the rental car counters or shuttle pickup locations, and find rendezvous spots for shuttles to your airport as available.
Having this stuff out makes everyone happy -- you, airline agents and the people behind you in line who appreciate your efficiency.
This also avoids any scrutiny from the check-in agents about your carry-on bag starting to swell (another topic altogether, which I won't go into here). By the time you get in the security line, you should be as close to ready to go through the actual security machine as possible. When you get to the front of the line, blast through your mental inventory and make it happen. Beyond finding out your flight status, by showing up at the gate you will get a sense of how crowded the flight is, figure out what kind of terminal amenities there are and more. If you have the phone numbers of airlines that fly your preferred route programmed into your phone, you will get a lot farther a lot faster than if you don't. When I called my airline armed with this info, I was rebooked in minutes, and we went to the zoo for the morning. And, if you die first, your spouse’s Social Security survivor benefits will be smaller than if you’d waited.
The longer you wait, the larger your checks and your cost-of-living adjustments, which are based on your monthly checks.
The estimator taps into your personal work history to give a reasonably accurate estimate of benefits. Americans’ life expectancy is rising: it’s at an all-time high of nearly 79 years, according to the latest numbers from the Centers for Disease Control and Prevention. Divorced people (here are the rules) married 10 years or longer qualify, too. Here is the SSA explanation of same-sex couples’ benefits and rights. And, remember: You’ll get all the money back in bigger checks after you hit full retirement age, the SSA says. However, her survivor benefit will equal up to 100% of your delayed benefit if you die first. Members of the program are pre-screened and can then whiz through security without having to take off their shoes or remove laptops from cases. A very early morning flight for my son and me was canceled; luckily, I have a TripIt account, and found out about the cancellation before anyone else in the house was even awake.
At the very least, check the maps so you know where you are going; these also typically show the location of cell phone waiting lots, which can be useful to folks picking you up. If someone is picking you up, you can also pre-arrange a pickup location so he or she can find you without too much hassle. Done well, you can go from fully clad for winter weather, with laptops and iPads in your bag, to a T-shirt, pants and socks, and all your sensitive electronics in their own bins, in seconds. The website does not include all financial services companies or all of their available product and service offerings. Had that not been the case, I am certain that in the rush to leave before dawn, I would not have checked flight status, and would have gotten a ride to the airport with all our stuff, waved goodbye, headed into the terminal, stood in line and only then discovered the cancellation. More important, the life expectancy for a 60-year-old male is 82 years; for a female it is 86 years. Use an adhesive hook on the side of your toilet to hang the toilet brush. Kinda grosses me out, 'cause what about the drip situation? Customs Department's Global Entry program (see GlobalEntry.gov) is another shortcut for frequent international travelers, especially as the federal government immigration and customs lines potentially get longer. Here are five fool-proof ways to kick someone out of your life without having to watch them turn into an emotional wreck.



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